Thanks. I found a dealer that gave me that rate right away. The MSRP is $46,475. He wanted to give me $1,500 off MSRP. That would give them $2,230 above invoice. How much more discount do you think I can push for? Can I expect to get closer to $1,000 above invoice? I appreciate your comments.

Lease was $460.90/month, drive off was $834.00 (1st month and registration fee)

They were fairly dishonest when it came to signing the paperwork. They bumped up the money factor to 0.0016, but I caught them on it and they changed it. They also bumped up the acquisition fee to $825 which I also caught them on, but they would not reduce this. They gave me the sob story that they had to make money on the deal somewhere since I was such a "smart" buyer. They would not budge on that inflated fee. However, it was not worth my time to walk away from the deal, but I think I could have arranged a lower fee if I thought about it ahead of time. This just goes to show, you MUST watch every move they make because the dealer will try to squeeze as much profit as they can! Still, I think I got a pretty good deal.

The car will be dropped off at a dealership by 8/18/07 but this guy who gave me a quote is an independent car broker which will help me with my loan application with BMW FS.Is this legit? Should I be worried? Thanks!

I hope you enjoy the car, I will say you did not get the best deal, in fact you could have gotten one for several thousand dollars less, had patience prevailed. Although I am not trying to anger anybody in this forum I have to say, as wrong and greedy as this may sound the worst thing you can do is think about anybody but yourself or spouse in a dealership. In reality why would you care if the dealership lost money, unless you owned it. I know some will argue I don't know what I'm talking about, park your x3 by an 06 x3 and differences will be subtle. oh well better luck next time.

what options come with this? then I'll be able to give you a better idea of price for you. Right now the price seems kind of high, i live in socal so I know BMW dealerships tend to overcharge. Is the dealership that made this offer in the South Bay? If it is look elsewhere!!! 520 seems a littl high per month for this car. I'm thinking 425-475 seems more reasonable

I am a little surprised lease price went up per month. what part of the country are you located this might be a factor. I think that a fair sales price would be 38K, although i am no expert in this field i think it would be a good to see if someone else has any other suggestions about monthly payments, but I do feel 535 is bordering on absurdity.

I'm not sure how you calculated the finance charge. There is no need to convert it to an interest rate, just follow the formula.

I'm pretty sure the loyalty MF discount is still in effect. You can do an additional 7 MSDs, which would bring the MF down to .00101... This would bring the final payment down to about $434/mo. after tax.

hi, boetsch1 I just add all your options ,but MSRP is $43600,not 42150. If reduce LUAD Gray Nevada Leather $1450, MSRP is 42150. so your dealer fogot to add this amount? If so you really got a good deal.

I am nearing the end of a lease on a 2004 X3 2.5. I'd like to buy rather than lease this time, so I was considering buying my X3 at the end of my lease. The current payoff price is 26,206.31.

However, I was in an accident just 10 days after picking up my car in 2004. It was repaired well and I have had NO problems at all. Not one complaint about the vehicle, no strange noises, nothing has needed to be replaced or fixed. and it still rides like a charm.

Recently, someone broke the small rear window and I had it repaired at a BMW dealership. They replaced it with a new window that has the radio antennas built in, my original windows did not have that, so now one does and one doesn't. According to them, the don't make the plain windows any longer.

I know that if I buy the car and want to sell it down the road, despite the fact that I haven't had any trouble, people will see that it had major front end damage and they will see that the windows don't match and the value will be decreased by at least $3,000-4,000, if not more.

My salesman has also informed me that I should consider buying the extended warranty and maintenance plan if I decide to by my car.

As much as I would love to buy a new X3, I just can't afford to right now.

My options:1) Buy my car and take my chances.2) Give up the BMW and buy a less expensive car.3) Buy CPO X3 that has not been in an accident.4) Lease a new X3.

Any advice or opinions would be appreciated. Just curious to hear what someone else would do in my situation.

you need to decide where exactly your finances are and go from there. however, if you decide to buy out your lease, you're taking a $3-4K hit right there because of the accident and repair. for that reason alone, i think it would be a serious financial mistake since it sounds like your budget for cars is already semi-tight.

i personally don't like leasing unless you can write it off as it ends up costing more in the long run. however, in your case, because of the accident, it may have helped you break even compared to a buy.

so my personal rec would be to do either option 2 or 3 followed by 4. just be careful and realize that just because a car is CPO'd does not mean it hasn't been in an accident. salesmen will tell you this and that but remember, they are just salesmen and will tell you want you want to hear.

As stated above, i necessarily don't agree with leasing but my sis is bent on it. She is asking me for some advice and I'm at a loss so have turned here.

She wants a very particularily optioned X3 in dark blue but nobody in a 250 mile vicinity has one so a local dealer has agreed to order her an '08. However, they're asking for a $1000 refundable deposit. They guarantee her $1000 off MSRP when the car comes in. I of course will make sure they're not upcharging the MF or dropping the residual but with $2000 neg equity in her current car, her lease payments will be in the high 600s for a $45K MSRP X3.

What would you tell her to do in regards to placing the deposit or ??? The dealer is saying that they do not know the 2008 lease rates either yet - does this sound right?

I think I need to go with option 2 for now, knowing that I will one day have another BMW. I'm not driving as much as I used to since I have moved from the suburbs to the city. I just really appreciate the agility of the X3.

The leasing deals on the '07 X3 are fantastic... Ask your sis if she is willing to pay $150-$200 more per month to get the exact car she wants, because that is the likely difference... With the negative equity and $1000 off MSRP, I'll bet her payments end up in the mid-high $700s..

The dealer probably doesn't know the '08 money factors... They likely won't be published until the month the first models are scheduled for delivery.

I truly hate dealerships. With that said, we just got a '07 metallic black, premium package X3 and wanted to know if this was in any way a good deal or not. We turned in our '04 BMW 325i for this so should have gotten a decent rate...

MSRP - 42,500Supposedly what they 'sold' it to us for 38,500

My Lease:$3000 paid at signing$388/mo - 12k miles/year24 mo term

Now, here's what gets me and where I think I got slammed. My residual on the car is right around $32,400 at the end of the lease. So basically, I'm paying right around $12,500 in 2 years for a car to only go from $38,500 to $32,500? This to me doesn't make sense.

Can anyone let me know if this was a good deal or not and what the residual part means?

The people in the place kept complaining about how they're not making any money on the deal. Also, when I wanted to have a 3-yr term they wanted to bump up my price per month instead of lower it. Is that right? Thanks for any help...I'm a newbie when it comes to leasing/buying cars which is probably why I have such an aversion to dealerships.

I'm in the market for an '08 X3 in Miami, Florida. Can anyone tell me what I can expect to pay in terms of CAP cost, Residual and money factor? I'm returning a BMW lease so the money factor should be a little lower than for a new BMW purchaser, correct? The following are the specs: '08 X3,Premium package, xenon headlights, mettalic black. Edmunds does not have info on the '08s yet. Thanks in advance for your help.